high rates on merchant accounts hurting your margins?

New rules allow merchants to add a fee for the use of credit cards. Merchants are not permitted to add a fee to debit cards.

This patent-pending technology ensures regulatory compliance by determining whether a given card is a credit card or a debit card before the transaction is processed. Zero-Cost Credit automatically applies a fee whenever a credit card is swiped or entered so that you receive 100% of the amount of your sale.

Zero-Cost Credit increases consumer fairness.

Credit cards cost more to accept than cash or debit cards. Under the old rules, merchants were not able to add fees for the use of credit cards, so they passed on this cost to all customers.

When all customers bear the cost of credit cards, the average credit card user receives a subsidy of $1,133 each year from customers who choose cash or debit. 1

Testimonials

"Today many companies have lost touch with their customers—not Banc Certified! You are always there when I have a question or concern about my account. With the credit card industry being hit so hard by crooks, it is such a pleasure that BCMS offers such amazing customer service. On two different occasions, you have helped me avoid fraudulent attempts to take over my account. I appreciate your service and concern for my safety." - Carmela R.

About Us

BCMS is a leading provider of credit card and debit card payment processing services. We are proud to be the processor-of-choice for thousands of Merchants around the world.